At LE’s branches, the first time customers are given membership cards with their personal Customer ID number and information.  LE’s cashiers will input customers and beneficiaries’ information into LE’s computer system.  A receipt will be printed out for money collection and customer signature. A transaction is completed within a few minutes. US dollars will be delivered to beneficiaries in Vietnam within 24 hours by LE’s couriers. One free-of-charge whole page of message/letter from senders to beneficiaries can be delivered along with the money if customers wish to do so. The next day, customers can go back to LE’s branches or agents to pick up a signed confirmation receipt with messages from their relatives. Repeat customers who already have a Customer ID number with their information in LE’s database will receive faster service. With their membership card, customers are also automatically joined in our Loyalty Program in which they earn 1 Golden Point for every $100.00 they sent to Vietnam. They can redeem their accumulated points for LE’s custom made gifts.  LE branches frequently have promotions going on for customers such as lucky draws and contests with prizes.

At some LE’s agents, who are equipped with computer systems, process the transactions similar to those at LE’s branches. At other agents, who are not computerized, customers fill out the order forms and pay the agents directly.  At the end of the day, agents will fax a list of transactions to LE headquarters where the information will be input into our database. Transactions will be forwarded to Vietnam for delivery together with LE branches transactions.  The next day, LE Headquarters will provide the confirmation receipts to agents for customers to pick up.

The following chart shows our payout time in line with the payout locations: